Texans pay more in fees to get a home loan than residents in any other state.

Texas went from 13th last year to first place in the 2014 report by Bankrate.com.

The annual survey ranks states on the average closing costs for a loan — lender’s origination fees and other charges to get a mortgage.

With an overall average cost of $3,046 to get a $200,000 loan, Texas was about 20 percent more expensive than the U.S. average.

Alaska was second at $2,897, followed by New York at $2,892 and Hawaii at $2,808.

The lowest costs are in Nevada, with an average cost of $2,265, and Tennessee, at $2,366. Nationwide, mortgage costs have risen about 6 percent in the last year, according to Bankrate.com.

The comparison includes only fees, not interest costs or title insurance.

It’s based on the purchase of a single-family house in each state’s largest city with a 20 percent down payment by a buyer with good credit.

“New mortgage regulations are the biggest reasons why closing costs went up over the past year,” Bankrate senior analyst Holden Lewis said in the report. “The good news is that some lenders have not increased fees.

“To get the best deal, consumers should compare good faith estimates from at least three different lenders.”

The actual price of a home in Texas is less than the nationwide average. But Texas also has some of the highest home insurance and property tax rates in the country, and high mortgage fee costs add to the burden of homeownership.